No Mathematics emphasis. It's non-commercial functions are covered by a separate skill (Lore: Mathematics), while commercial ones are covered by new Emphases: Trade and Finance.

You can haggle with the Commerce skill, which is then considered a use of Low and a Social Skill. This is a Contested Awareness/Commerce (Any Emphasis) roll, with the victor changing the price by up to 10% in their favour, plus 10% for each successfully called Raise.

When negotiating money-lending, it is also considered a use of Low Skill and a Social Skill. The basic terms of a loan (covered by Debt Advantage) is it being due in one year with a 10% interest. This is a Contested Awareness/Commerce (Finance) for the lender vs. Willpower/Etiquette (Any Emphasis) for the borrower, with the victor changing either the interest by an increment of 5% or the duration by an increment of 3 months in their favour, plus another 5% or 3 months for each successful raise, in any combination, with the minimum of 3 months duration and 0% interest.

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